11. Explain the concept of vesting. 12. Under ERISA, if requested in writing, what infor- mation must the administrator of the pension fund supply to the participants? 13. Under the Affordable Care Act, what are the mini- mum essential coverage tests that the insurance provided by the employer must satisfy? 14. Summarize the procedure that may be followed by the Human Resources Department in hiring new employees. 15. What information is commonly provided by a jobseeker on the application for employment form? 16. What is the significance of the Civil Rights Act of 1964 and the Age Discrimination in Employ- ment Act in the employer's use of pre-hire inquiries? 17. What obligations are imposed upon the employer by the Fair Credit Reporting Act of 1968? 18. What procedures are usually included in a typical payroll accounting system? 19. What two basic records are generated in most payroll accounting systems? 20. What uses are made of the information shown in the employee's earnings record